Those who do risk control are naturally sensitive to the words 'high interest and stability'. During the LUNA and CeFi crisis, I cut off all on-chain financial products at the company.
Until recently, three 'minor events' connected together, I decided to restart the due diligence checklist:
1. Binance Earn designates Solv as its sole BTC income management party on the platform;
2. Solv BTC+ Launch: Integrate BTC into a multi-strategy + RWA structured income layer;
3. Amanie Advisors issues Shariah compliance certification, and Chainlink Proof-of-Reserves (PoR) continues to disclose.
These three things together basically answer the three big questions: 'distributable', 'auditable', and 'compliant'. Therefore, as a stubborn risk controller, I opened a conditional green light for on-chain returns for the first time.
What I value is not 'high interest', but verifiability.
① Architecture Layer: Double-layer Vault
Separate 'custody' from 'execution', isolate responsibilities, in line with the bottom line requirements of the traditional asset management industry.
② Transparency Layer: PoR + Reports
Reserve proof on-chain, assets and liabilities can match and be viewed; it's not 'trust me', but 'let me show you'.
③ Compliance Layer: Acceptable to institutions
From the due diligence approval of Binance Earn to the Shariah compliant version, it indicates its availability for funds from different jurisdictions.
④ Strategy Layer: Multi-source cash flow
It's not about single-strategy volatility, but a combination engine of on-chain credit/LP/basis and funding rates/protocol incentives + RWA (like BUIDL, SCOPE).
As a risk controller, I want the evidence chain that can 'match the account when something goes wrong'. Solv puts the evidence on the table, which is a watershed moment.
What old pain points does BTC+ really solve?
Transform BTC that only appreciates into BTC that also generates income.
• Target basic annualized return: approximately 5%–6% (provided by multi-strategy and RWA together);
• Reward Power (time-weighted): Set the lock-up period to share a total reward pool of $100,000 according to weight; the longer the time, the larger the share;
• User Experience: Native BTC one-click deposit (no cross-bridge, no wrapping), with a redemption window every 90 days.
In sideways markets, don't spin in place; when a trend comes, β (price) + α (strategy) should double up, this is the essence of the 'income layer'.
The 'green light' conclusion I gave to the team (with boundary conditions)
Can be allocated, but must have discipline:
• Allocation: Connect a part of idle BTC to BTC+, controlling within a bearable risk budget;
• Duration: If pursuing reward weight, the lock-up can be extended moderately, but liquidity buffers should be reserved;
• Verification: Regularly check the PoR page, vault net value, and changes in position structure; reduce allocation in case of anomalies;
• Distribution path:
• Skilled on-chain users → Go through the Solv official dApp;
• Newbie/Institutional Account → Enter via the 'on-chain income / Solv BTC Staking' portal on Binance Earn, reducing operational risk.
Risk control is not against returns, but against black boxes. Solv's mechanism turns 'black box returns' into 'auditable cash flow'.
Provide different 'plug-and-play' scripts for different groups (all current effective strategies).
A｜On-chain users: Official dApp (native BTC)
1. Connect wallet → Enter BTC+;
2. Deposit native BTC, optional lock-up time to obtain Reward Power;
3. Enjoy a basic annualized return (approximately 5%–6%) + share a $100,000 reward pool weighted by time;
4. Redeem at the unlocking window every 90 days.
B｜Newbie/Institutional Account: Binance Earn
• Subscribe to BTC income products provided by Solv on Binance Earn;
• Eliminate Gas/cross-chain learning costs, suitable for accounts with heavier risk control processes.
The 6 questions you care about most
• Lock or not? Not mandatory. Locking up increases the weight in the reward pool; not locking only receives basic returns.
• Will 'high interest equal high risk'? Returns are definitely related to risk, so look at the underlying structure: double-layer vault, PoR, RWA proportion, net asset curve and drawdown control.
• Will I be passively bound to a certain chain? Officially supports native BTC one-click deposit, reducing the additional attack surface of cross-chain wrapping.
• Can it be used as a 'cash account'? No. It’s more like a 'stable income position for BTC', please separate it from daily trading/margin accounts.
• How to use in bull/bear markets? Bull market: β + α dual drive; sideways/oscillation: use cash flow to reduce emotional costs.
• Is a large amount appropriate? Layered and phased, gradually increasing the position; any single point of congestion is a risk.
ETFs bring incremental funds in, and the income layer keeps the funds in BTC.
The value of Solv is to make the 'auditable, scalable, and distributable' income layer the default configuration for BTC.
The green light for risk control is not for 'high interest', but for 'evidence-based returns'.
You can continue to just hold without earning; or you can start today to have BTC begin to 'pay you a salary'. The choice is yours.@Solv Protocol